The Research Of The Management Transformation For The Retall Business In China's Commecial Banks

This paper does some preliminary study on the transformation of commercial banks' retail business model in China which consists of five chapters. The first chapter is introduction, the context from second chapter to the fourth chapter is the main part of the thesis, and Chapter five is the conclusions and outlook. Among them, the second chapter makes some comparison on the mian features of the retail business model between domestic and foreign commercial banks, and extracts some enlightenment; Chapter three describes mian strategy of the transformation form the aspects of content, objectives, and the path; At last, Chapter four gives an empirical analysis.This paper argues that the development model of China's commercial banks has become increasingly difficult to sustain at present. Because it over-reliance on loan expansion and deposit and loan spreads. As a high-growth, high stability business, the retail business is held in high regard today and become an important strategic transformation of commercial banks. In the case of tackling the global financial crisis and changing economic development the retail business of China's commercial banks is ushering in a valuable strategic opportunity.Therefore, in order to achieve the expansion of business scale, enhance profitability and value growth, it is particularly necessary and urgent to change the business model.This paper points out that the business model is considered as a group which is to realize the value proposition identified by enterprise based on the business purpose. Changing the business model includes all aspects of the business management, even including organizational structure, management processes, fundamental change in business processes. It is a transformation including variety of business combinations of factor inputs. Therefore, to achieve the effectiveness, coordination and flexibility of the system has become a problem to be faced and solved by the retail business of commercial banks. On the basis of the analyzing of the advanced international bank and summing the trends of the retail business in recent years, the article raised the basic content of business model transformation for the retail business of China's Commercial Bank was sinking the management focus, business focus, service center and responsibility center. Its main objectives are to let management system be matrixing, operation be specialization, the allocation of resources be marketing, staff be professional, risk management be streamlining, support and assurance be integrating. Its basic approach includes that we should switch the business direction to financial service and consumer financial services, switch the business focus to customer, product, network,team,switch the mode of operation to specialization, non-border cooperation, sophisticated marketing support,switch operate security to the foreground and background separation, united logistical support,switch the management system to combine the lines with blocks and classification support, switch management assessment to difference assessment. This paper also analyzes a case about a commercial bank how to explore transformation in retail business, hopefully it can provide an evidence for this point of view.On the basis of Study and Borrow and around the above aspects, this article strives to achieve the following innovations:First, extending the argument from the transformation on commercial bank's business model to the transformation on the retail business model is more detailed and specific. Second, from some new perspectives, this paper examined the transformation of retail business model.The perspectives include international financial crisis, transformation of economic development for our nation and Strategic restructuring of commercial banks. Third, it analyzed the difference between domestic and foreign commercial banks with comparative method, and refined the trend of business model transformation for commercial banks. Fourth, this paper made a systematic discussion about the business model transformation for commercial banks. Both including business direction, business focus, management style and other core content, and including business protection, management system, content management assessment and other external resources. It seeks to stand in a holistic perspective to make a systematic exposition for various operating elements and their combinations.